Kurt Kessler, Mortgage Broker

Kurt Kessler, Mortgage Broker Mortgage Broker | NMLS 365130 | 1082 Allegheny Drive, Danville, CA 94526

06/15/2026

With the weekend announcement of a peace agreement with Iran, the bond and interest rate markets are already responding. Combined with the upcoming Federal Reserve meeting led by new Chairman Kevin Warsh, we could see a drop in oil prices and an easing of inflationary pressures.

What does this mean for you? While lower rates are great news, they typically drive home prices up. Here is how you can strategic play the current market before inventory gets too tight and prices surge.

๐Ÿšจ LIMITED TIME OFFER: 1-Year Free Rate Buy-Down!
To help you secure todayโ€™s home prices while giving the market time to settle, I am offering a 1-Year Free Buy-Down.

Save thousands of dollars in your first year.

Get an interest rate 1% lower than the current market rate.

Position yourself to refinance easily in the future when permanent rates drop.

Note: This free buy-down offer is only available until the end of this month!

Let's Connect:
If you are currently in contract and need a quick quote, or if you want to see how these market changes impact your buying power, reach out today!

๐—ฉ๐—” ๐—œ๐—ฅ๐—ฅ๐—ฅ๐—Ÿ ๐˜„๐˜„๐˜„.๐—ฅ๐—ฒ๐—ณ๐—ถ๐— ๐˜†๐—ฉ๐—”.๐—Ÿ๐—ผ๐—ฎ๐—ปVeterans and active duty service members can lower their monthly mortgage payment through the ...
06/14/2026

๐—ฉ๐—” ๐—œ๐—ฅ๐—ฅ๐—ฅ๐—Ÿ ๐˜„๐˜„๐˜„.๐—ฅ๐—ฒ๐—ณ๐—ถ๐— ๐˜†๐—ฉ๐—”.๐—Ÿ๐—ผ๐—ฎ๐—ป

Veterans and active duty service members can lower their monthly mortgage payment through the VA's streamlined IRRRL program.

It's fast, simple, and free to start.

โœ… Simple & Fast - No Income Documentation
๐Ÿ’ฐ No Lender or Title Fees
๐Ÿ“‰ No Impound Option with 680 mid score.
๐Ÿšซ No Appraisal

Stop paying to much go to www.RefiMyVa.Loan

Headline: Same Home. Lower Payment. Better Terms. ๐Ÿ“‰Still paying 2024 or 2025 interest rates? The market has shifted, and...
06/13/2026

Headline: Same Home. Lower Payment. Better Terms. ๐Ÿ“‰

Still paying 2024 or 2025 interest rates? The market has shifted, and your FHA loan is ready for an upgrade.

โœ… No Credit Score Stress
โœ… No Home Appraisal
โœ… No Paystubs Needed

The FHA Streamline is the "cheat code" of refinancing. Visit www.refimyfha.loan today to see your new monthly payment.

๐Ÿ”— www.RefiMyFHA.Loan

06/10/2026

Still available! We are not raising rates to do this!

If youโ€™ve been sitting on the fence about buying a home because of todayโ€™s interest rates, this could be a game-changer.

Right now, thereโ€™s a limited-time lender-paid 1-0 buydown program that temporarily reduces your interest rate, meaning you could start with a significantly lower payment for your first year of homeownership at no cost to you.

Hereโ€™s an example: on a VA loan of $875,000 with a standard rate of 5.875%, this buydown can drop the rate to 4.875% for the first year. That translates into meaningful monthly savings and over $6,500 in reduced payments during year one alone.

After the first year, the rate returns to the original fixed rateโ€”but by then, many homeowners have already refinanced or benefited from improved market conditions.

This program is available on FHA, VA, conforming, and high-balance loans, but it is time-sensitive. Loans must be locked by the end of June.

If youโ€™re considering buying a home or want to see how this strategy could work for your situation, reach out anytime. Letโ€™s run the numbers and see if it makes sense for you.

Questions? Iโ€™m happy to help you explore your options and structure a smarter path to homeownership.

He is such a good human being. Iโ€™m so proud of him.
06/09/2026

He is such a good human being. Iโ€™m so proud of him.

06/07/2026

๐—ฆ๐˜๐—ผ๐—ฝ ๐—น๐—ฒ๐˜๐˜๐—ถ๐—ป๐—ด ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜๐—ฎ๐˜… ๐˜„๐—ฟ๐—ถ๐˜๐—ฒ-๐—ผ๐—ณ๐—ณ๐˜€ ๐˜€๐˜๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ป๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฑ๐—ฟ๐—ฒ๐—ฎ๐—บ ๐—ต๐—ผ๐—บ๐—ฒ.

Being self-employed is the ultimate freedom...until you try to get a mortgage.

Traditional lenders see your tax returns and see a "low income" because of your hard-earned deductions. We see a successful business owner with a strong cash flow.

At www.ZeroTaxReturns.com, weโ€™ve flipped the script. We specialize in mortgages for self-employed borrowers that focus on your actual earning potential, not just your paperwork.

โœ… No Tax Returns required
โœ… Bank Statement programs (12โ€“24 months)
โœ… P&L Statement programs
โœ… Fast approvals for entrepreneurs and freelancers
โœ… Solutions for 1099 workers and small business owners

Donโ€™t let the red tape of traditional banking slow you down. Letโ€™s get you into your new home using the income you actually make.

Ready to see what you qualify for?

Visit us at ๐Ÿ‘‰ www.ZeroTaxReturns.com

Contra Costa County Real Estate Market Update: June 2026The Contra Costa County real estate market continues to evolve a...
06/05/2026

Contra Costa County Real Estate Market Update: June 2026

The Contra Costa County real estate market continues to evolve as we move into the summer season. While higher mortgage rates have kept some buyers on the sidelines, increased inventory is creating new opportunities for both buyers and sellers.

Whatโ€™s Happening in the Market?

Home prices across Contra Costa County have remained relatively stable compared to last year, with some areas experiencing slight declines while others continue to see strong demand. The median home sale price is currently around $785,000 to $792,000, depending on the data source, reflecting a market that remains resilient despite affordability challenges.

Inventory has improved significantly compared to the ultra-competitive markets of the past few years. More homes are coming to market, giving buyers additional choices and reducing some of the pressure that characterized the post-pandemic housing boom. Active listings throughout the county have increased, creating a more balanced environment between buyers and sellers.

What This Means for Buyers

For buyers, today's market presents opportunities that haven't existed in several years:

More homes to choose from

Increased negotiating power

Fewer bidding wars in many price ranges

Greater ability to include contingencies in offers

While mortgage rates remain elevated, many buyers are taking advantage of seller concessions, lender-paid buydowns, and other financing strategies to improve affordability. Buyers who have been waiting for the "perfect" market may find that today's increased inventory provides a better opportunity than they expected.

What This Means for Sellers

Sellers can still achieve excellent results, but pricing and presentation matter more than ever.

Homes that are properly priced, professionally marketed, and move-in ready continue to attract strong interest and often sell quickly. In fact, many homes are still selling at or above asking price, demonstrating that demand remains healthy for well-positioned properties.

However, buyers have become more selective. Overpricing a property can lead to extended market time and eventual price reductions. Today's successful sellers are partnering with experienced real estate professionals to accurately position their homes from day one.

Local Market Trends to Watch

Several cities throughout Contra Costa County continue to attract strong buyer interest, including:

Walnut Creek
San Ramon
Danville
Brentwood
Concord
Pleasant Hill

The area's excellent schools, desirable communities, access to major employment centers, and quality of life continue to support long-term housing demand.

Looking Ahead

As we move through the remainder of 2026, the market appears to be transitioning toward a healthier balance. Buyers have more options, sellers still benefit from historically strong home values, and both sides have greater opportunities to negotiate favorable terms.

Whether you're considering buying your first home, moving up, downsizing, or investing, understanding local market conditions is critical to making informed decisions.

If you'd like a personalized analysis of your home's value or want to discuss your home-buying goals, I'm always happy to help.

Thinking about making a move in Contra Costa County? Let's connect and create a strategy tailored to your goals.

Private employers added 122,000 jobs in May, slightly above forecasts. ADP also noted that hiring was more โ€œbroad-basedโ€...
06/04/2026

Private employers added 122,000 jobs in May, slightly above forecasts. ADP also noted that hiring was more โ€œbroad-basedโ€ than in recent years.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฑ๐—ฎ๐˜†. ๐—•๐˜‚๐˜ ๐—บ๐—ผ๐˜€๐˜ ๐—ต๐—ผ๐—บ๐—ฒ๐—ผ๐˜„๐—ป๐—ฒ๐—ฟ๐˜€ ๐—ผ๐—ป๐—น๐˜† ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ ๐˜๐—ต๐—ฒ๐—บโ€ฆ ๐—ผ๐—ป๐—ฐ๐—ฒ ๐—ถ๐—ป ๐—ฎ ๐˜„๐—ต๐—ถ๐—น๐—ฒ.Thatโ€™s a problem.Because when rates ...
05/29/2026

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ฒ๐˜ƒ๐—ฒ๐—ฟ๐˜† ๐—ฑ๐—ฎ๐˜†. ๐—•๐˜‚๐˜ ๐—บ๐—ผ๐˜€๐˜ ๐—ต๐—ผ๐—บ๐—ฒ๐—ผ๐˜„๐—ป๐—ฒ๐—ฟ๐˜€ ๐—ผ๐—ป๐—น๐˜† ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ ๐˜๐—ต๐—ฒ๐—บโ€ฆ ๐—ผ๐—ป๐—ฐ๐—ฒ ๐—ถ๐—ป ๐—ฎ ๐˜„๐—ต๐—ถ๐—น๐—ฒ.

Thatโ€™s a problem.

Because when rates drop, the opportunity to refinance and save thousands can come and go quickly.

Thatโ€™s why we created the www.RefiRateWatchlist.com.

Instead of constantly checking the market, you can simply set your target rate and let the system do the work. When the market hits your number, you get notified. No guessing. No obsessively refreshing rate charts.

Hereโ€™s how it helps homeowners:

โœ” Get instant alerts when rates reach your target
โœ” Track opportunities based on your loan balance, goals, and timeline
โœ” Know when refinancing could lower your payment or save interest
โœ” No spam. Just clear updates when it matters

Smart homeowners donโ€™t chase rates.

They let the rates come to them.

If youโ€™d like to keep an eye on refinance opportunities without watching the market every day, you can sign up here in less than a minute:

๐Ÿ”—www.RefiRateWatchlist.com

Your future self (and your monthly payment) might thank you.

From Gen Z to the Silent Generation, homebuyers today come from every generation. Some are buying their first home, othe...
05/29/2026

From Gen Z to the Silent Generation, homebuyers today come from every generation. Some are buying their first home, others are moving up or downsizing, but all have one thing in common: theyโ€™re making a move that fits their life stage and financial picture. Curious what buying could look like for you? Reach out any time. Iโ€™m here to help.

Address

1082 Allegheny Drive
Danville, CA
94526

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